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You should never pay for financial help you can get free. Here are no-cost, legitimate resources for counseling, no-fee banking, free tax prep, and debt help — for service members, veterans, and families.
Sources: Military OneSource (DoD), FINRED — DoD Financial Readiness
Free, confidential financial counseling by phone or video for service members and families (up to 365 days after separation). Call 800-342-9647.
DoD Office of Financial Readiness: free budgeting tools, the Sen$e mobile app, and PCS/transition money guides.
Free, embedded financial counselors at most installations and via Military OneSource — no cost, no sales pitch.
Nonprofit credit and debt counseling; NFCC agencies offer a free counseling session and low-cost debt management plans.
A list of veteran-friendly banks and credit unions that offer accounts with no/low fees so your VA benefits go further. Direct-deposit friendly.
Free tax prep and e-filing software (via Military OneSource) built for military life — no income limit. Plus free consultations with tax pros.
Volunteer Income Tax Assistance sites (often on base) prepare and file your taxes for free.
The Consumer Financial Protection Bureau’s free guides on debt, the SCRA, auto loans, and complaints against lenders.
Educational directory of no-cost resources; program details and eligibility can change — confirm on each official site. Informational only, not financial advice.